Company Profile - BANK OF AYUDHYA PUBLIC COMPANY LIMITED

Company Profile BANK OF AYUDHYA PUBLIC COMPANY LIMITED

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BANK OF AYUDHYA PUBLIC COMPANY LIMITED

Sustainability Development Ranking

CG Score ^1/

CG Score

AGM Level ^2/

AGM Score

Thai-CAC ^3/

Thai CAC ^3/
Certified

Thailand Sustainability Investment ^4/

Thailand Sustainability Investment
THSI (SET)

Ranking by Industry

Business ^4/

Business

The Bank of Ayudhya PCL is Thailand?s fifth-largest universal bank by assets, loans, and deposits, and is a strategic member of the Mitsubishi UFJ Financial Group (MUFG), Japan?s largest financial group, and among the world?s largest. The Bank and our 23 subsidiaries and joint ventures (Krungsri Group) constantly strive to meet the ever-changing needs of our broad customer base by offering a comprehensive range of universal banking products and services to key target groups: commercial banking (Thai, Japanese, multinational corporations, and SMEs) and retail banking. We also provide related financial services through our subsidiaries and joint ventures, including wealth management, credit cards, non-life insurance, asset management, securities trading, auto hire purchase, microfinance, and installment loans. As of year-end 2020, The Bank boasted total registered capital of 75,741 million baht and 73,558 million baht of paid-up capital.

Top 10 Major Shareholders(@11 May 2022)		Share	%
1.	MUFG BANK, LTD.	5,655,332,146	76.88
2.	บริษัท สตรองโฮลด์ แอสเซ็ทส์ จำกัด	166,536,980	2.26
3.	บริษัท ทุนมหาโชค จำกัด	166,478,940	2.26
4.	บริษัท จี แอล แอสเซทส์ จำกัด	166,414,640	2.26
5.	บริษัท บีบีทีวี แซทเทลวิชั่น จำกัด	166,151,114	2.26
6.	บริษัท บีบีทีวี แอสเซตแมเนจเมนท์ จำกัด	163,112,900	2.22
7.	บริษัท กรุงเทพโทรทัศน์และวิทยุ จำกัด	160,789,220	2.19
8.	บริษัท มหากิจโฮลดิ้ง จำกัด	158,726,810	2.16
9.	บริษัท ทุนรุ่งเรือง จำกัด	157,889,440	2.15
10.	บริษัท ซุปเปอร์ แอสเซทส์ จำกัด	51,421,714	0.70

Business

Company Profile ^4/

Field name	Detail
Address	1222 RAMA III ROAD, BANGPHONGPHANG, YAN NAWA Bangkok10120
Phone	0-2296-2000, 0-2683-1000
Fax	0-2683-1304
URL	www.krungsri.com

Contact Person

Contact	Contact Name
ฝ่ายผู้ลงทุนสัมพันธ์	-
เลขานุการบริษัท	นางธิดารัตน์ เศรษฐวรวิจิตร

Company News

Information Disclosure

ข้อมูลผลิตภัณฑ์

Filing

Other Information

Financial Statements (Concise Version) ^5/

Full Version

Statement of Comprehensive Income (MB.)	3M/2022 (01/01/22 -31/03/22)	3M/2021 (01/01/21 -31/03/21)	2021 (01/01/21 -31/12/21)	2020 (01/01/20 -31/12/20)	2019 (01/01/19 -31/12/19)
Accounting Type	Consolidate	Consolidate	Consolidate	Consolidate	Consolidate
Interest Income	24,751.41	24,951.77	99,803.76	108,062.35	110,455.44
Interest Expense	4,879.59	5,763.02	21,823.67	26,758.21	34,032.36
Net Interest Income	19,871.82	19,188.75	77,980.09	81,304.14	76,423.08
Fees & Service Income	6,030.94	6,151.24	24,053.02	24,811.85	29,652.17
Fees And Service Expenses	1,799.85	1,833.33	7,201.75	7,247.67	7,875.67
Net Fees And Service Expenses	4,231.09	4,317.91	16,851.26	17,564.19	21,776.50
Dividend Income	94.25	91.95	366.33	-	-
Gains (Losses) on Investments	-	34.70	10,925.24	108.75	9,232.11
Interest Income (Expense) From Financial Assets And Liabilities Designated At Fair Value	1,131.45	1,008.80	4,095.79	4,112.02	4,349.80
Other Operating Expenses	12,062.77	12,098.50	48,954.27	48,465.00	52,168.71
- Personnel Expenses	6,708.82	7,003.29	26,717.40	25,296.70	27,648.47
- Premises & Equip Expenses	1,720.52	1,821.73	7,194.40	7,549.88	7,922.34
(Reversal Of) Expected Credit Losses	6,783.01	7,313.91	31,604.34	36,643.68	28,202.96
Net Income before Tax	9,374.59	8,231.18	42,347.78	28,878.23	41,236.31
Net Profit : Owners Of The Parent	7,418.28	6,504.85	33,794.19	23,039.78	32,748.51
EPS (B.)	1.01	0.88	4.59	3.13	4.45

Statement of Cash Flow (MB.)	3M/2022 (01/01/22 -31/03/22)	3M/2021 (01/01/21 -31/03/21)	2021 (01/01/21 -31/12/21)	2020 (01/01/20 -31/12/20)	2019 (01/01/19 -31/12/19)
Accounting Type	Consolidate	Consolidate	Consolidate	Consolidate	Consolidate
Operating Cash Flow	-11,148.22	16,611.09	46,405.17	83,622.11	-37,297.55
Investing Cash Flow	5,577.49	-12,592.12	-11,800.51	-51,945.87	23,599.24
Financing Cash Flow	2,701.48	-5,817.97	-34,473.97	-33,674.35	13,449.77
Net Cash Flow	-2,869.26	-1,799.00	130.69	-1,998.11	-248.54

Statement of Financial Position (MB.)	3M/2022 (01/01/22 -31/03/22)	3M/2021 (01/01/21 -31/03/21)	2021 (01/01/21 -31/12/21)	2020 (01/01/20 -31/12/20)	2019 (01/01/19 -31/12/19)
Accounting Type	Consolidate	Consolidate	Consolidate	Consolidate	Consolidate
Cash	27,103.60	28,213.27	29,370.78	30,333.32	33,830.34
Interbank & Money Mkt. - Net	433,125.57	594,315.74	346,816.01	523,384.55	331,431.38
Investment Net	174,103.12	174,034.68	182,710.31	176,465.14	130,292.30
Net Loans and Accured Int.	1,853,606.96	1,770,991.30	1,816,869.47	1,765,622.64	1,754,976.03
- Loans & Receivables	-	-	-	-	1,909,361.54
- Allowance For Expected Credit Loss	-	-	-	-	67,384.23
Assets Forclosed-Net	4,989.64	3,132.70	3,273.21	3,365.64	3,500.20
PP&E Net	30,487.25	31,003.77	30,821.33	31,196.62	29,029.49
Total Assets	2,607,615.44	2,695,268.42	2,499,108.63	2,609,373.79	2,359,591.60
Deposits	1,829,180.37	1,888,463.54	1,779,138.53	1,834,505.19	1,566,884.78
Debts Issued And Borrowings	122,027.27	140,770.30	118,977.17	146,118.87	175,667.18
Other Liabilities	41,891.53	38,720.05	41,752.88	43,387.50	44,223.30
Total Liabilities	2,282,788.87	2,398,887.16	2,180,871.98	2,320,194.83	2,087,475.95
Authorized Capital	75,741.44	75,741.44	75,741.44	75,741.44	75,741.44
Paid-Up Capital	73,557.62	73,557.62	73,557.62	73,557.62	73,557.62
- Preferred Shares	-	-	-	-	-
- Ordinary Shares	73,557.62	73,557.62	73,557.62	73,557.62	73,557.62
Treasury Shares	-	-	-	-	-
Shares Of The Company Held By Subsidiaries	-	-	-	-	-
Other Surplus (Deficit)	-	-	-	-	-
Premium (Discount) On Share Capital	52,878.75	52,878.75	52,878.75	52,878.75	52,878.75
Retained Earnings (Deficit)	194,290.47	163,402.45	186,779.95	156,836.45	140,041.48
Shareholders' Equity	324,062.51	294,670.35	317,515.88	287,544.18	270,789.95
Minority Interest	764.06	1,710.91	720.78	1,634.78	1,325.70

Accumulated: Turnover Ratio, Value Trade/Day
Statistics	YTD 19 May 2022	2021 30 Dec 2021	2020 30 Dec 2020
Listed share (M.)	7,355.76	7,355.76	7,355.76
Market Cap (MB.)	239,062.26	261,129.54	229,867.56
Price (B./share)	32.50	35.50	31.25
BVPS (B./Share)	44.06	42.21	38.67
P/BV (X)	0.74	0.84	0.81
P/E (X)	6.89	8.48	8.81
Turnover Ratio (%)	1.54	6.16	3.24
Value Trade/Day (MB.)	45.50	63.95	28.02
Beta	1.17	1.29	0.94

Rate of Return	YTD	2021	2020
Price Change (%)	-8.45	13.60	4.17
Dividend Yield (%)	2.62	0.99	2.72
Payout Ratio	0.18	0.18	0.13
Dividend Policy	The Bank will determine dividend payment by taking into consideration capital adequacy as the first priority and other factors inctuding the actual operating results, returns to shareholders and regulatory requirements (with additional conditions)

¹CG Score 2021 from Thai Institute of Directors Association (IOD)
²AGM Level 2021 from Thai Investors Association
³Companies participating in Thailand's Private Sector Collective Action Coalition Against Corruption programme (Thai CAC) under Thai Institute of Directors (as of May 9, 2022) are categorised into:

companies that have declared their intention to join CAC, and
companies certified by CAC.

⁴The Stock Exchange of Thailand : the record of listed companies with corporate sustainable development "Thai sustainability Investment 2021" included:

SET and mai listed companies passed the assessment conducted by the Stock Exchange of Thailand: THSI (SET) and THSI (mai)
SET listed companies passed the assessment conducted by the Dow Jones Sustainability Indices (DJSI)

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